Call reports 2003
DYSART STATE BANK — 2003
What DYSART STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 12,907,000 | 13,188,000 | 12,425,000 | 13,025,000 |
| Total loans | 3,749,000 | 3,860,000 | 3,758,000 | 3,865,000 |
| Allowance for loan losses | 36,000 | 36,000 | 38,000 | 37,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 865,000 | 873,000 | 1,142,000 | 1,037,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,174,000 | 11,401,000 | 10,753,000 | 11,318,000 |
| Interest-bearing deposits | 8,146,000 | 8,074,000 | 7,592,000 | 7,396,000 |
| Noninterest-bearing deposits | 3,028,000 | 3,327,000 | 3,161,000 | 3,922,000 |
| Equity capital | 1,687,000 | 1,707,000 | 1,651,000 | 1,673,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 124,000 | 243,000 | 356,000 | 463,000 |
| Interest expense | 24,000 | 46,000 | 67,000 | 84,000 |
| Net interest income | 100,000 | 197,000 | 289,000 | 379,000 |
| Noninterest income | 16,000 | 31,000 | 45,000 | 63,000 |
| Noninterest expense | 105,000 | 176,000 | 252,000 | 342,000 |
| Provision for loan losses | -7,000 | 13,000 | 15,000 | 14,000 |
| Pretax income | 18,000 | 39,000 | 67,000 | 86,000 |
| Income tax | 9,000 | 10,000 | 14,000 | 11,000 |
| Net income | 9,000 | 29,000 | 53,000 | 75,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,687,000 | 1,707,000 | 1,651,000 | 1,673,000 |
| Total capital | 1,723,000 | 1,743,000 | 1,689,000 | 1,710,000 |
| Risk-weighted assets | 6,885,000 | 6,739,000 | 6,707,000 | 6,675,000 |